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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,304 | $65,034+21.9% | $90,970-12.8% | $79,856-0.7% |
| Participation rate | 97.5% | 61.6%+35.9pp | 69.0%+28.5pp | 69.6%+27.9pp |
| Annual return | 9.48% | 30.45%-21.0pp | 134.60%-125.1pp | 31.71%-22.2pp |
| Employer contribution / active EE | $4,428 | $1,247+255.0% | $2,122+108.7% | $2,471+79.2% |
| Participant deferral / active EE | $3,705 | $2,512+47.5% | $3,373+9.8% | $3,741-1.0% |
| Admin fee / account holder | $3,430 | $4,536-24.4% | $5,961-42.5% | $5,306-35.4% |